Home Buyer Question: Who Will Be At The Closing?

By
Real Estate Agent with Realtor®, GRI, Landis e2 Real Estate, LLC

In NC, we have a closing (or settlement) meeting which is when all of the deed, loan and settlement statement documents are signed, funds are collected - the final paperwork before the property can be transferred and recorded or officially closed.


A pretty common question for Charlotte NC home buyers is who will be at the closing (meeting)?


For my clients
You the home buyer will be thereI will be there with youThe closing attorney will also definitely be there.


Other people who may or may not be at the closing/settlement meeting
- The listing agent.  The seller(s) - if it's a bank owned home they won't be attending.  Your loan officer may or may not attend as well.


The closing/settlement meeting is almost the end of your home buying journey
.  It has to happen before the deed can be recorded and you become the official homeowner.


How long does the closing/settlement meeting take?
When buying a home in Charlotte NC, generally somewhere around 45 minutes to an hour.


Before we get to the closing/settlement meeting we'll have seen the final settlement statement workout, you'll know the amount of certified funds you need to bring with you
and we'll have been able to verify that your loan details and monthly mortgage payment are what you were expecting.


So if you're buying a home in Charlotte NC, you and I will be at the closing/settlement meeting together just as we've gone through the rest of the home buying process
and we'll have some company at the meeting at the very least with the attorney handling all of the documents (and money!).


It's one of the last steps to completing your home buying journey successfully
and for my home buyer clients we'll attend it together.


Originally posted at
: Charlotte NC Real Estate Market, Real Estate and Local Charlotte NC Information

Copyright©2011 by Diane McDermott, All Rights Reserved, “Home Buyer Question: Who Will Be At The Closing?"

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The content of this blog is the original content of Diane McDermott, NC Residential Real Estate Broker in Charlotte NC's real estate market serving neighborhoods in Charlotte NC

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Topic:
Home Buying
Location:
North Carolina Mecklenburg County Charlotte
Groups:
Charlotte North Carolina Area
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Rainmaker
269,114
Dianne Goode
Realtor/Broker
Raleigh Cary Realty

Kudos to Karen!  In almost 14 years of attending closings with my clients, I don't think the loan officer has been there more than a handful of times.  

March 08, 2011 08:18 PM
Ambassador
828,202
Connie Harvey
Realtor - Nashville TN Real Estate
Pilkerton Realtors

Diane - A very nice and clear explanation of closing on a home purchase.

March 09, 2011 01:36 PM
Rainmaker
558,027
Diane McDermott
Charlotte NC Real Estate Market
Realtor®, GRI, Landis e2 Real Estate, LLC

Dianne, Agreed!  It's a nice surprise when the loan officer does attend but much more common that they don't

Thanks Connie!

March 09, 2011 04:47 PM
Rainer
44,240
Kelly (Byrnes) Waugh
CMPS, CMC
Fairway Independent Mortgage Corp

Wow!  I am really surprised to hear that even in this market loan officers are not attending the closings.  That is unacceptable.  I'm with you Karen, I go to every loan closing to not only provide added support for my clients as well as the agents, but to be there in case questions, concerns, issues arise.  Great post Diane :-)

March 11, 2011 11:13 AM
Rainmaker
558,027
Diane McDermott
Charlotte NC Real Estate Market
Realtor®, GRI, Landis e2 Real Estate, LLC

Thanks Kelly!  It really is nice when all of the buyer's "team" is there to support them when it all comes together, definitely sends a great message of how important they are to us :) 

March 11, 2011 06:19 PM
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Diane McDermott

Charlotte NC Real Estate Market
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